ZIP 37040 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 37040 (Montgomery County, Tennessee) lands at 33/100 — moderate on DLRadar's public-record scoring. Latent structural risk is 73/100 while live distress already moving reads 6/100. The sharpest non-environmental signals are structural risk (73/100), construction/permit lag (61/100), institutional ownership (56/100). On the quiet end sit mortgage stress (20/100). Climate and flood risk are elevated too — flood (NFIP) exposure (94/100), climate & FEMA risk (88/100), FEMA disaster exposure (65/100).

Prices here sit in a peak phase: values rose 1.9% over the trailing year, 2.5% off the recent peak, and 11% higher over three years (phase confidence 31/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

About 62,137 people live here, median age 31. The poverty rate is 18.0% — high, a tax-stress and distress correlate. Vacancy runs 6.0%. Around 30% of adults hold a bachelor's degree or higher. 59% of housing is owner-occupied. The demographic-stress sub-score lands at 33/100. A median home runs $270,000 here, or 3.7 times local income. There are about 26,100 housing units across 37040. Median household income is $65,331, below the U.S. median near $78,000. Around 42% of renters are cost-burdened.

Net-net, 37040 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 37040 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 37040 runs hot or quiet, its 33/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 37040 can be compared directly against any other ZIP in Montgomery County, Tennessee or nationwide. Where the public record is thin for 37040, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 37040 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 33/100 roll-up. Practically, 37040 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.